First-time buyer activity rises after lending limits loosened
Original Article Summary
The Financial Policy Committee’s move to relax loan-to-income (LTI) limits has spurred on more activity among first-time buyers, early evidence shows. There were 11% more first-time buyer loans in Q3 than in the same period of 2024, UK Finance research shows. Since July 2025 the 4.5+ LTI limit at 15% of new lending has been […] The post First-time buyer activity rises after lending limits loosened appeared first on PropertyWire.
PropMatch Curated Analysis
Relaxed loan-to-income limits have boosted first-time buyer activity by 11% in Q3, while remortgaging volumes surged 50% year-on-year as borrowers refinance amid falling base rates.
Investor Relevance
Increased first-time buyer competition affects acquisition strategies and pricing for entry-level properties. Rising remortgaging activity indicates refinancing opportunities for investors' own portfolios. Regulatory focus on self-employed lending could open specialist lending opportunities.
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